LET'S CELEBRATE!

For 90 years, Arbor Financial Credit Union has helped members achieve MORE. To celebrate our anniversary, all members are automatically entered to win $9,090!^** Plus, the more you use Arbor, the more entries you’ll earn for the grand prize drawing on November 10, 2025. Know someone who could benefit from great rates and expert service? Invite friends and family to join Arbor—they’ll enjoy all the perks, and they’ll be entered to win, too!

Today's Rates

Earn up to 4.00% APY ⁺ with Momentum Checking!

Simplify, transfer, and save with our no-fee 2.99% APR credit card balance transfer. ⁷

Drive Happy with our low-rate auto loans!

Knowledge is your best weapon against fraud. When in doubt, please reach out to Arbor Financial directly.

GET MORE with Arbor Financial Credit Union.

Combine a free checking account that earns up to 4.00% APY⁺, mortgages with low rates, auto loans with rates as low as 5.99% APR* and the money saved quickly adds up.

Get started with free checking

Ready to get your hands on a good deal?

Arbor Financial runs special promotions throughout the year with lower loan rates and other opportunities to increase your savings.

90 Day No Pay₃Auto Loan

With rates as low as 5.99% APR^*and 90-day no pay³, you'll be on the road before your first payment is due.

Affordable Path to Homeownership

With lower down payment requirements and flexible qualification guidelines, our FHA loans make it easier to step into the home of your dreams.

7 & 10 Year Mortgage Special

If you have a mortgage, now is the perfect time to see if Arbor can save you money and help you achieve your future goals! Whether you want to lower your payment, access cash, or pay off your home faster, our special 7- and 10-year mortgage may be able to help you.

Apply for a Loan

Life is full of unexpected expenses and great opportunities. If you need the cash to seize the moment, apply for a loan today.

Member Discounts

Who doesn’t love discounts? Save at local Southwest Michigan businesses, entertainment venues, and more.

Find a Branch / ATM

With 12 branch locations in Southwest Michigan and over 30,000 free ATMs across the nation, get your money when you need it.

Words from our members:

Nancy, a Arbor Financial Credit Union Member

"It's just so easy to get things done here. I can call and apply for a loan, no problem. I love to utilize mobile and online banking services. I haven't been into a branch in what feels like forever."

Nancy, Arbor Financial Credit Union Member

Kim, a Arbor Financial Credit Union Member

"I keep coming back into the branch to see my favorite people. I love the customer service I receive and the feeling of community I get whenever I walk into the branch."

Kim, Arbor Financial Credit Union Member

Katie, a Arbor Financial Credit Union Member

"I get more with Arbor Financial through a lot, actually. I get more convenience in my life with how easy it is to get things done. Not to mention how amazing the mobile and online banking services are."

Katie, Arbor Financial Credit Union Member

Adam, a Arbor Financial Credit Union Member

“I Get More with Arbor by receiving incredible loan rates on my vehicle I purchased this year. Additionally, the staff at the branch I bank at are exceptional in their customer service and very friendly.”

Adam S., Arbor Financial Credit Union Member

Jane and Arbor Financial member smiling outside of an Arbor location.

“I have been a member for over 9 years and the thing I love most about Arbor Financial is the community. I’m so thankful and happy that we live in a community where we can stay close to people through everyday interactions. Joanne, the Centre Street branch manager, was a close friend of mine in high school and I taught her children in school.”

Jane, Arbor Financial Credit Union Member

Michelle and Corey standing outside of an Arbor Financial Credit Union location.

"Some of our favorite things about Arbor Financial are the online and mobile banking services. We find it so convenient and it makes our life so much easier."

Michelle and Corey, Arbor Financial Credit Union Members

Customer service representative at call center.

"Great customer service as always!"

Charon M., Arbor Financial Credit Union Member

"We didn't need to call anyone else. We knew Arbor Financial would have what we needed."

Jennifer, Arbor Financial Credit Union Member

Jennifer outside of Arbor Financial Credit Union location.

"The super low interest rate on our 10 year consolidation loan has helped us pay off our mortgage faster than we ever thought possible."

Jennifer D., Arbor Financial Credit Union Member

Barbara, an Arbor Financial Credit Union member.

"The tellers and staff at Arbor Financial conduct business so professionally and friendly. I feel at home when I enter the branch and see Carolyn and her team.”

Barbara, Arbor Financial Credit Union Member

"Having only been homeowners for a year prior to our refinance, we were a little nervous to go through the loan process. Arbor educated us on our options, walked us through the action items and communicated with us every step of the way. Kyle did an amazing job answering our constant questions and providing in depth explanations that we could understand. The entire process was smooth and timely. We were so impressed and are SO glad we made the change to Arbor Financial!"

Joe G., Arbor Financial Credit Union Member

Mobile phone showing the login screen for the Arbor mobile app.

Online & Mobile Banking

Access your Arbor Financial Credit Union accounts anywhere, anytime from the palm of your hand with our free mobile banking app.

Convenient and easy to use, Arbor Financial's Mobile Banking App is safe and secure using some of the most advanced security and technology available.

Article

Financial Management Resources

How to Access Over 30,000 ATMs for Free!

We’ve all been there: you’re at an event, traveling, or just on the go, and you need some cash, plus an ATM. However, you want access to your cash without paying ridiculous ATM fees. Who wants to pay money just to access their account? Luckily, as a member of Arbor Financial Credit Union, you belong to a CO-OP ATM network that provides a solution to this pesky problem. What is the CO-OP ATM network? The CO-OP ATM network offers nearly 30,000 surcharge-free ATMs nationwide to members. How do you ...

eBook

First-Time Home Buyer Guide

A guide for first-time home buyers, including what to expect, things you need to consider, and how to get started.

Article

7 Uses For Your Home Equity Line of Credit (HELOC) | Arbor FCU

Article

Financial Management Resources

How to Access Over 30,000 ATMs for Free!

eBook

First-Time Home Buyer Guide

A guide for first-time home buyers, including what to expect, things you need to consider, and how to get started.

Article

7 Uses For Your Home Equity Line of Credit (HELOC) | Arbor FCU

Careers

Don't just find a position - find your people. Our company motto is: Work together. Do the right thing. Be creative. Have fun. There's a reason we've received many workplace awards and our employees love working here. If you're ready to Get More out of your next position, then you're ready for Arbor.⁹